Retirement

72% of these adults (11.5 million people) will have less than $65,000 in income and assets, which is the average amount needed to pay for private assisted living and medical care.

While divorced, widowed women are more likely to retire earlier than expected, never-married women don't know where to turn for financial advice.

For a financial wellness offering to be effective, it must help the youngest employee starting out who may only want digital tools to the more tenured worker who seeks complex counseling or financial planning.

These workers prefer no fees, no minimum balance requirements, and liquidity — the biggest challenge for plan sponsors to deal with.

From desirable property tax rates and affordable public transportation to well-reviewed retirement homes and low monthly Medicare premiums, these big burgs are the cream of the crop.

The answers are interrelated and center around two gaps in the typical family's financial security: The cost of hospital-related services and the amount of savings available.